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These cashback transactions are refunds to your customers that are being processed without your knowledge or consent?
Did they actually stay in the rental home? Or did they book it and then cancel their reservation?
Is there anything in your contract or terms of service with the merchant service company regarding disputed transactions?
I would recommend contacting the individual credit card companies for each charge. They should all have a process for handling chargebacks. Here is the Visa website, for example:
If you can send in receipts for each transaction, then they should uphold the charges. However, there may be a time limit to dispute each charge.
It is difficult to tell if the processor is violating the terms of the contract without reviewing an actual copy. Why have they refused to send it to you? How often have you tried contacting them?
That is certainly possible. Is their office in the same town by any chance? Is it possible for you to go there in person? Unfortunately, the only way to force them to produce the contract would be to file a lawsuit and then issue them a subpoena. I'm sorry I don't have better answers for you. Do you have any more questions?